If you have habitual problems where every other month you are claiming some kind of issue then they might deny giving you a credit.I have talked to engineers at the water department before and they have water flow and usage down to a science.

If someone outright denied, I'd put on a worried look and advise them to call their lender immediately because something's wrong.

Reference one my original question - would you have denied permission to conduct the test?

He did switch us to month to month however when we tried to give our 30 days notice he denied it.

So many renters abuse this and have false paperwork.So, my question is...How do I answer her question?

The most common mistake I see is investors carrying a policy that is intended for an occupied unit while the property is vacant - claims can be denied in that situation.Yes, I think you should require your handyman/contractor to carry liability insurance. 

This is a start to what brings in the $ and what does not:DO:Kitchen UpdatesBathroom UpdatesAdding BedroomsAdding Bathroomsminor exterior touch upsdeep cleanDO NOTExterior landscape work (pools)Replacing a roofpaintinginstall new wood flooringupdate water heater and HVACSomeone with experience please add, deny, or affirm any of these. 

He doesn't want to be tied down in the event either the appraisal is low or financing is denied or takes a long time to complete. 

It's like trying to crack down on people abusing the handicap parking spaces.

And if the offer is denied, you get to be right and life will give them the feedback that they need.